The pie keeps shrinking, because to me, it's not a payment when I'm sending money from my chequing account to my savings account within the same institution. If that's included in the number of payments you're taking into account—you first said 6% and now say 10%—that's misleading by a landslide, Mr. Wilmot, I have to say.
On December 9th, 2024. See this statement in context.